Of course the comment was inappropriate. OP was asking if she had visible scars and he, joke or not, made the assumption that she wanted her vagina to look attractive to men. Which is clearly not why the OP askes

Ah. Him knowing you were married is a bit different, I suppose. Why didn't you ask your DH about the scarring, though? Maybe the doc felt a bit awkward at being asked to comment on what he'd seen and though a joke would lighten the mood?

Yes, I pay upfront, but then it is part reimbursed by the government and the rest reimbursed by health insurance. Smears, mammograms, breath exams, even blood test screening for breat cancer is routine annually here.

I think it's belittling and inapproriate, and changing docs is less faff than getting cervical/breast cancer. Typical mumsnet that people are criticising you having yearly checks - er, not the point...?